Arro Card

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Unlike Credit One, Arro Mastercard does not rely on FICO scores to approve you. Instead they want to see a positive bank balance, income and positive cash flow in order to approve you. You do have to link your bank account to Arro via PLAID.

• Arro has lower fees than Credit One. They only charge $3/month vs $75/$99 for Credit One
• Arro's APR at 16% is the lowest among subprime credit cards
• Arro does not perform any hard inquiries.

Read our review of the Arro Mastercard

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Upgrade Select Visa

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Upgrade Select Visa has a lower annual fee than Credit One ($39 vs $75/$99) and a higher credit limit ($500 - $2,000 vs $300 - $1,500). You need a FICO score of at least 580 to get approved for Upgrade Select Visa.

Read our review of the Upgrade Select Card

Read our comparison of Upgrade Select vs Credit One